Jump to content
  • Tweets

  • Posts

  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 865 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello,

 

Can someone help before I go and seek legal advice.

 

I bought a car of these guys six months ago,

 

I had a few issues with my bank account getting cloned and reported this to them with also a change of address.

 

They have now terminated the agreement without me receiving the paperwork and sent a recovery truck.

 

I can clear the arrears and make the payments as agreed from now on in and I have made them aware of this.

 

They just say tough but I am willing to go to court.

 

They have threatened me with they will contact the police and report the car stolen.

 

Can anyone advise on what my rights are?

 

Anything will be appreciated.

Link to post
Share on other sites

is this a bil of sale one

have you checked the bill of sale is registered correctly.

 

 

did you receive a default notice before they tried repo?

I assume you refused the repo?

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

Hi,

 

Thanks for your prompt reply.

 

I am not sure what the agreement is

however I think It will be the one they generally have.

 

I will look but I am away at the moment.

 

I changed my address verbally over the phone and the they said they didnt have this info

therefore sent the documents and pick up truck to my old address.

 

As i say I am more than willing to go to court with this because the shortfall will be 10k for a car that I will no longer have.

 

Thanks again in advance.

Link to post
Share on other sites

These people are an absolute nightmare! They are utterly incapable of understanding even the most simple information.

 

 

You should write to them (by special delivery) stating it's their mistake not yours and that if they don't rectify and allow you to make the missed payments you will apply to the court for a hearing

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

Hi,

 

Thanks for your reply.

 

I have tried emailing them and explaining the situation but they insist on not being interested.

 

I have requested the documents(default/termination) so I can take the matter to court.

 

They say the recovery agents will be happy to show the documents upon collection.

 

The car will be kept on secure private property but they are saying they will report the car stolen,

 

is this right or can I just apply to court to try and present my case?

 

Any advice is appreciated.

Link to post
Share on other sites

Might be an idea to get a Time Order application into court as soon as possible before any unpleasant situation arises with the recovery people.

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

Link to post
Share on other sites

just remember the recovery people whomever they claim to be

ARE NOT BAILIFFS.,

 

they have no real legal powers to do anything

that they might intimate they can do.

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
  • 1 year later...

Hi,

 

I would like some advice on the above cowboys.

 

I had my car repossessed for non payment that I am guilty of,

 

I purchased the car for around 15k and had paid around 3k at the time of repossession.

The car was sold at auction for 9k yet they are insisting I pay them 19.5k.

 

I feel my only option is to go bankrupt and then they get nothing.

I have offered them repayments on a reasonable settlement but they offered 10k lump sum settlement for it all to go away.

 

The advice I would like is;

 

1. The car risk stands them at 15k they have a genuine shortfall of 4k but theyre chasing me for nearly 20, is this legal?

2. I never got the option to VT

3. I have got all correspondance

 

Any advice would be much appreciated.

 

Cantona

Link to post
Share on other sites

ive merged an old thread here

so you didn't do a time order?

 

you let them repo?

 

it was for you to initiate VT

but you never cameback to update us

 

tell us about the repo

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
  • 5 months later...

Sorry for late response.

 

so you didn't do a time order? No

 

you let them repo? Yes

 

it was for you to initiate VT

but you never cameback to update us

 

tell us about the repo The repossession was agreed with notice and was official with signatures etc.

 

They have gone very quiet since after initially sending a few letters. I threatened them with going bankrupt and made them an offer of 10k via installments but I believe they are being investigated by the FCA.

 

A friend of a friend of mine who is a solicitor reckons they are repossessing every day all over the place and are in court non stop.

 

Would you advise to complain to the FCA about how I can owe £19,485 with nothing to show for it?

 

Cheers

 

P

Link to post
Share on other sites

well by default then you let them VS

you owe the whole lot sadly

that was a very bad thing to do.

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

yes , probably going under

rumour mill has it provident, vanquish, sunny, moneybarn are being wound up.

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...